What mandatory auto insurance laws exist in the state of Missouri?


  • In the state of Missouri, all drivers must carry the minimum auto liability insurance amounts. These include $25,000/$50,000 bodily injury liability, $10,000 property damage liability, and 25,000/$50,000 limit uninsured motorist bodily injury.
  • In the state of Missouri, before you can register your vehicle, you must provide proof of financial responsibility in the form of your current insurance identification card, a motor vehicle liability insurance binder, policy, or receipt indicating policy information, a financial responsibility identification card, or a self-insured identification card that has been issued by Missouri’s Department of Revenue (DOR).
  • Under certain requirements, Missouri law allows motorists to file a surety bond instead of liability insurance or other types of securities, a real estate bond, or motorists can self-insure. 
  • Under Missouri law, if you are caught driving without insurance your license may be suspended for up to one year. You will also have to pay a reinstatement fee and provide proof insurance for three years after your license has been suspended. 

What is the Minimum Liability Coverage (Bodily Injury amounts per person, per accident in Alexandria, LA, and property damage amounts):

If you buy automobile insurance in Missouri, your policy must include minimum liability coverage of:

$25,000/$50,000 bodily injury liability,
$10,000 property damage liability,
and 
$25,000/$50,000 limit uninsured motorist bodily injury

What are the Rental Car Insurance Requirements?

In the state of Missouri it is illegal to operate any motor vehicle without insurance—this  includes rental cars. Rental cars must carry the minimum liability coverages required by Missouri law. It is important to keep in mind that most Missouri auto insurance policies include car rentals. Most credit cards cover car rentals as well, so be sure to check your auto insurance policy and/or check with your credit card issuer. If you find that your credit card and/or auto insurance policy do not cover rental cars, you must purchase car rental insurance from the car rental company. It typically costs an extra $7-$14 a day.

What are the rules pertaining to Uninsured/Underinsured Motorist Coverage?

In the state of Missouri, Uninsured/Underinsured Motorist Coverage is required in the amount of 25,000/$50,000 for bodily injury. 

What are the rules pertaining to the exclusion from coverage of a driver living in household?

In the state of Missouri, auto insurance companies can write policies that exclude household members. These exclusions are listed in the exclusions section, which also includes a list of all possible circumstances that would free the insurance company from the responsibility of paying a claim. It is important to examine your auto insurance policy carefully before you sign on the dotted line.

What are the rules regarding whether a driver has prior insurance? That is, how does state law handle it if a driver has no prior insurance or has let their previous insurance lapse?

If your insurance lapses in the state of Missouri, this means that from the time your insurance lapses, you are not covered. Under Missouri law, if you are caught driving without insurance your license may be suspended for up to one year. You will also have to pay a reinstatement fee and provide proof insurance for three years after your license has been suspended.  

What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?

In the state of Missouri, auto insurance companies can use Personal Credit History to determine rates and offers for products. That said, Personal Credit History is not the only assessment tool Missouri auto insurance companies may use. They also consider age, gender, where you live, car make and model, how much you drive, and driving record.

Is the state a No Fault or Tort state? What does either mean to the policy owner?

The state of Missouri follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company. Because Missouri is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.  

What is the average auto insurance premium in this state? As of what year?

As of 2006, Missouri resident’s average insurance premium was approximately $673, the 36th most expensive in the nation. This was down 1.8% from the previous year. The national average was $817.

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